Why is it not controlled by the counter trading limit?

The daily limit of the transaction amount of all channels outside the counter is 5000 yuan. According to regulatory requirements, in order to prevent telecommunication network fraud, some bank accounts will be restricted from over-the-counter transactions, but not all accounts will be "across the board". Many banks have tightened their restrictions on over-the-counter transactions. A number of bankers told the reporter of Beiqing Daily that in the past two years, in order to prevent telecom fraud and meet regulatory requirements, they have indeed strengthened transaction control over non-counter channels. The so-called non-counter channels refer to businesses that are not handled at the bank counter, including but not limited to those handled through online banking, mobile banking, gateway payment, express payment, POS machines, ATM machines, etc. The above-mentioned customer service of China Merchants Bank said that since last year, China Merchants Bank began to restrict the counter transactions of some customers, mainly in response to the requirements of the regulatory authorities. The limit is to ensure the safety of funds in customer accounts, and the adjustment is different for different regions and different customers. CCB's customer service also indicated that at present, banks all over the country should classify and manage customers' accounts, and limit the OTC trading quota of some customers. For example, sleep card will lower the OTC trading limit for newly opened cards or cards that have not been used for a long time. On February 16 this year, Shanghai Bank of Postal Savings Bank announced that it would adjust the payment limit of some personal bank settlement accounts in non-counter channels according to the principle of "matching the function of bank accounts with the risk level of accounts". Customers can check the off-counter payment limit of current account through counter and e-banking channels. If they need to adjust the amount, they can apply at any branch of the bank with their bank card/passbook and valid identity documents. We will adjust relevant business functions and limits according to the verification results. The reporter of Beiqing Daily noted that Shanghai Pudong Development Bank Hangzhou Branch, Chengdu Branch, Changsha Branch and Fuzhou Branch also issued relevant announcements in 2022. These branches indicated that they would appropriately adjust the off-site business limit of personal bank settlement accounts according to the basic information reserved by customers in the bank and the usage of accounts. Among them, Shanghai Pudong Development Bank Chengdu Branch said that for accounts that have not been used for a long time, the limit may be lowered and the limit will be reduced to 1 10,000 yuan per day. Previously, if customers independently opened non-counter transactions in mobile banking, the limit was 50,000 yuan per day. Answer that the function of the account matches the risk level. "They are all my own accounts. Why can one bank transfer up to 50,000 yuan a day and the other can transfer 200,000 yuan? " "I have two bank cards from different banks, and I haven't used them very much in recent years. Today, I found that one limit is 1000, and the other limit is 3000. "In view of the difference in account quota, some bankers told the reporter of Beiqing Daily that on the whole, the account quota matches the risk level of the account, and the transaction quota of the account with higher risk will be less or even completely frozen. Usually, for those areas where fraud cases are high, the bank's control measures will be correspondingly stricter. When evaluating the risk of each account, banks will consider many factors, which are different from bank to bank. These factors generally include the customer's occupation, age, location, trading habits, asset status, registration method, payment channels, secure media and so on. For example, in ICBC's self-registered mobile banking, the daily transfer limit is only 1 000 yuan at most; However, for mobile banking registered at the counter, if SMS, payment password and fingerprint/face brush are used for security verification, the daily cumulative transfer amount can reach up to 200,000 yuan, and the single payment limit is 20,000 yuan; If U shield is used, the daily cumulative transfer limit may reach 1 million, and the single payment limit may also rise to 50,000 yuan. "I met a lot. I found that although big data has a manslaughter rate, it is not high. " Ma Lin, a teller at a bank in Chengdu, said that many customers don't understand this quota. In fact, 99% of the cases are not that the money is frozen, but that it is limited to the counter. Why are these customers restricted from online trading? Brush the bill, fast forward and fast out, frequent account reversal, obvious transition to multi-person transfer, credit card cashing. In short, the system will limit when it detects an anomaly. Of course, there are also cases of "accidental injury", but as long as the information is complete, it can generally be lifted. There are also many consumers who support bank account risk control. Yi Yi, a netizen who once suffered telecom fraud, said: "I hope the bank will give me a limit, the lower the better, so that I won't be cheated by hundreds of thousands." This' tuition' is too expensive. Four situations in which "reminding is easy to" recruit ". Specifically, what kind of bank account will be lowered? According to the announcements of various banks, the information introduced by insiders of banks and the experiences reflected by customers, the reporter of Beiqing Daily sorted out four situations. The first is that the customer information reserved by the bank is not perfect. Such as expired customer certificates and incomplete customer information. Many banks' systems regularly screen out such customers and restrict off-counter business in batches. Therefore, if you change your new ID card, you must update the bank reservation information in time. In addition, if the customer's mobile phone number changes, it may also affect the use of mobile banking in some banks. The second is that bank accounts have been idle for a long time. For example, some banks will stipulate that there will be no transaction within six months after the card is opened, which will restrict over-the-counter transactions; Bank cards are not used for a long time, but they are rich in accounts and have a small balance, which will also be restricted. If customers want to continue to use or activate, they can consult the bank. The third is that abnormal transactions trigger early warning of bank risk control systems such as anti-money laundering and anti-fraud. For example, frequent transfer or consumption in the middle of the night; Bank cards that have not been used for a long time suddenly become active, and large-value transactions or intraday transactions occur; Rapid transfer of funds, especially through multiple accounts in a very short time; Centralized transfer and decentralized transfer; Frequent or large transactions suddenly appear after several tentative small transactions. These abnormal manifestations are often related to illegal activities. Once they are recognized by the system, they will issue an early warning, and the bank will reduce the limit of the account according to the actual situation, and even freeze the account directly in serious cases. The fourth situation is that there is no problem with my bank account, but the counterparty's account involves fraud, money laundering and other illegal acts. If you have transactions such as transfer with such accounts, you will also be implicated and restricted. Photo courtesy/vision china suggested that "card breaking" action should reduce "accidental injury". During the interview, the staff of several banks mentioned the "broken card" action. It is understood that in order to prevent telecommunication network fraud cases from occurring frequently, and to effectively safeguard social security and stability and the legitimate rights and interests of the people, an inter-ministerial joint meeting on cracking down on new illegal crimes in telecommunication networks was held in the State Council on June 5438+10/October 65438 +00, It is decided to launch a nationwide "card-breaking" campaign with the main contents of cracking down on and punishing illegal and criminal gangs selling phone cards and cleaning up and rectifying fraudulent phone cards according to law. In the "card-breaking" campaign, banks and payment institutions need to clean up abnormal bank cards such as long-term fixed accounts, "one person has more cards" and frequent loss reporting and replacement cards. Dong Ximiao, chief researcher of Zhaolian Finance, pointed out that under the current policy, the vast majority of bank users will not be affected by the quota adjustment, and users do not need to be overly anxious or over-interpreted. Cardholders should strengthen account risk management, cancel bank cards that have not been used for a long time in time, and more importantly, don't lend, rent or sell their bank accounts to prevent others from using their bank cards to engage in illegal activities. Banks identify account risks through the designed screening model. If the conditions set are too narrow, there may be fish escaping from the net, so banks often take relatively broad investigation measures, and a few cardholders will inevitably "accidentally injure". Dong Ximiao expressed the hope that banks can use more financial technology to conduct more accurate investigations and minimize the proportion of "accidental injuries". Su, a senior expert in the financial industry, suggested that banks should streamline and optimize their business processes. In the short term, the online channel transaction limit is expected to continue in the future, but in the medium and long term, it is not excluded that banks can achieve a dynamic balance between business risk prevention and user convenience by improving the level of risk control and financial technology.